$OSCR The research has been done. 2026 open enrollment period is over. Job postings have surged. 2 million to 3.4 million members. 17 to 30% market share. Profitability guided for, and conservatively. We are a $30 stock minimum after Q1. open.substack.com/pub/investwith…

$OSCR See you at Q4’26 Earnings… This doesn’t even look real for an insurance company. AI + Execution = Explosive Growth

$ZETA partnering with OpenAI is only a scratch on the surface for what they will accomplish. Their guidance needs to be taken with a grain of salt…. Not to the downside…. To the upside… 18 consecutive beat raises. Then throughout 2026, the beat and raises will compound….

$OSCR Imagine if morbidity decreases even a little bit in 2026… That 82.4-83.4 MLR guided for…. Could turn into 80-81%…. 81% + 16% SG&A costs… 3% operating margins… over 1% more than guidance… Management is doing everything they can to bring back profitability from

$OSCR When I say the guided MLR is conservative. I mean it. Factoring in similar trends from 2025 with an incremental increase in morbidity + new third-party data. Leaving this here. 🎤 ⬇️ “Our outlook reflects elevated market morbidity observed in 2025, an incremental

$OSCR Past year: +1.15% In 2026, guidance suggests: 18.7-19 billion revenue (+60% YoY) 250-450 million earnings (~750 mil swing) 15.8-16.3 SG&A (down over 1% YoY) Yet the market does not respect it. I keep running numbers, and we would have to have WORSE morbidity and

$OSCR THERE WERE SIGNS…. “Mark Bertolini: So from a micro standpoint, Olivia, we are not only concentrating on products to capture membership in the insurance company, but we've also built out the front end of the business where we can now work with employers to convert them.

$SOFI vs $HOOD debate is ridiculous… $SOFI for banking… $HOOD for brokerage… $FNF for retirement… And credit union to fill the gaps… The problem is, they both want to be known for both. Each platform has their pros and cons. This is how I run my show 🤷‍♂️ :)

$OSCR ICHRA MEMBERSHIP DOUBLED - New revenue modeling coming as well… Regular ACA Plans + ICHRA Data “So you're going to start seeing us over time report 2 different kinds of revenue in the model. where we're going to have revenue coming out of the conversion of employers

$OSCR + ICHRA is a generational pivot. With AI + Technology… It will be faster than the shift to 401k’s

$SOFI This is beautiful.

$OSCR Friendly reminder, most of these “analysts” expected 18.7-19 billion in revenue in 2030+ just a few months ago. That is hilarious.

$OSCR Several states are introducing tax credits for employers that offer HRAs instead of traditional group health insurance. These incentives can make it even more affordable for small businesses to offer meaningful health benefits. It’s a trend that could accelerate HRA/ICHRA

$NBIS SIGNS MULTI-BILLION DOLLAR DEAL WITH $META $NBIS +14% 🟢 $IREN +6% 🟢 $CRWV +5.52% 🟢 $CIFR +6% 🟢 This is signaling continued strength in the AI realm.